For most busy households, a good fridge freezer is a must. However, this kitchen essential can often come with a hefty price tag. That’s why many people choose to pay weekly through in-store finance. However, that’s not the only way to spread the cost of this important piece of kit. Loans at Home offers cash loans that can mean this costly outlay is made a little more manageable.

If you’re looking to buy a fridge with weekly repayments, why not use our loan calculator to find out if a cash loan would be a more affordable choice than an in-store finance agreement? Select the amount you’d like to borrow, set your preferred repayment period and the calculator will work out your weekly repayments.

Considering a fridge freezer on finance?

When you buy fridges or fridge freezers on finance, you’re limited in a number of ways. Firstly, you’re limited to choosing only from the products available in that particular store. Secondly, you get less choice on your repayment period. Most stores only offer repayment periods of around 156 weeks. That means you’re paying back the cash for a long time. Ultimately, you could end up paying a lot more than if you bought the item outright from the retailer of your choice and paid back a cash loan.

Loan Calculator

Tell us the amount you want to borrow and over how many months you'd like to repay it, and we'll calculate how much your repayments might be.


  • The benefits of a cash loan

    A cash loan from Loans at Home comes with a number of benefits and presents a real alternative to taking out finance. Firstly, a cash loan gives you buying power – it’s your choice where to shop for your new fridge freezer and which make and model to select. Plus, the loan itself is in your hands. You don’t have to simply take the deal offered on a particular fridge freezer. Complete our online application and once approved choose the amount you borrow, the repayment period and your weekly payments.

    Types of fridge freezers

    Once you’ve decided to go for it and make the purchase, you need to think about which one will best suit your needs. How about an American style, double-door fridge freezer? These look great and the doors take up less space when open. However, the units themselves can be space invaders and not ideal for small kitchens. The 70/30 single-door fridge freezer is a more affordable and compact choice. These are about as tall as your washing machine so they’ll fit snugly under your kitchen worktop. The space inside is limited though, so a 70/30 may not be the ideal a large family. If you’ve already got the fridge but you’re looking for additional storage for frozen foods, a chest freezer could be the answer. Perfect for those who like to pick up bargains as they spot them, the only thing to consider is the large amount of space they’ll take up in your home.

  • What size is right for me?

    The size of fridge freezer you choose very much depends on your lifestyle. For example, if you eat a lot of fresh produce you may prefer a smaller frozen compartment. Or, if you’re a busy family that buys a lot of frozen convenience meals, a taller fridge freezer may be more suitable. Think about the way you live and the way you eat and shop.

    How much will a fridge freezer cost to run?

    Like all electrical appliances, fridge freezers cost money to run. Over the course of a year, a standard refrigerator uses 162kWh and costs around £23.50. A fridge freezer uses 427kWh and costs £62, and a chest freezer uses 362kWh and costs around £52.50. It’s important to work out how much your new fridge freezer will cost to run before buying it.

  • What features should I be paying for?

    Some features set certain fridge freezers out above others. Here are a few:

    • Frost-free settings to save time defrosting
    • Shelves you can adjust to fit in more jars and bottles
    • A salad crisping drawer
    • Smooth sliding drawers
    • Holiday settings to save energy while you’re away
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“They are fantastic!”

Ms F from Bacup

Loans For Household Essentials